Santa Fe Springs, CA Auto Insurance

Five Driving Habits to Master

Santa Fe Springs, CA Auto Insurance QuoteAccording the National Highway Traffic Safety Association, 391,000 individuals were injured & 3,477 were killed from distracted driving in 2015. Insurance premiums have skyrocketed because of distracted driving and increases in traffic accidents.  Distracted driving isn’t just talking on the phone or texting but can include reading articles or email, eating, brushing your hair, or any other way you’re trying to multi-task while driving.

Consider practicing good driving behavior by mastering these 5 habits every time you get inside your vehicle.

  • Put your phone OUT of reach when entering your vehicle.

The back seat or placed in your bag or purse inside your trunk, along with other belongings can be a good start. If you can’t fathom doing this, continue to ask yourself, “Can it wait?” every time you want to reach for your device. Most likely it can. It may help to put your phone on mute to avoid the desire to reach for it when it alerts you of an incoming call or new text message/email. If you feel you always have to be readily available to take a phone call, pull your car over & park it before answering the call.

  • Program your GPS or identify where you need to go before driving your vehicle.

Be sure to activate voice commands so your eyes can stay on the road 100% of the time.

  • Groom Before or After, Not While Driving or Sitting at a Stop Light

If you find yourself running late often & grooming last minute, transition yourself out of the habit of grooming while driving. Practice doing this once you’ve arrived at your location or before you even start your vehicle.

  • Eat While Parked

Don’t risk eating and driving. Instead, simple park your car and eat your meal before getting back on the road.

  • Be a Role Model for Your Friends and Family

Not only demonstrate to your kids how you do not drive distracted, but also explain the dangers of doing it. If you find yourself riding along with a friend or family member, speak up if the driver is using an electronic device while driving. Offer to deliver their text message for them, act as the co-pilot or make the phone call.

If we all practice safe driving habits, we will all be better off.

For great rates and coverage for car insurance, contact AIM Auto Insurance Service. We represent the top insurance carriers and will shop to find the best car insurance for your needs. Get a quote online today.

How to Find Proper Insurance Coverage For a Disaster in California

Are You Prepared For a Disaster?

September Represents National Preparedness Month

How to Find Proper Insurance Coverage For a Disaster in CaliforniaAre you prepared for a disaster? Recent articles online, in the newspaper and commercials on televisions remind us that disasters are just a moment away. It is easy to think that’s a good reminder, yet fail to act on our preparedness. The fact is: disasters happen. It’s best to learn the skills & be prepared.

Ready.gov does a great job at summarizing how to prepare for disasters and teaches simple skills you should have that could help you or your loved ones if a disaster strikes.

What’s Your Plan?

Discuss the following questions with your friends, family or household to determine your emergency plan.

  1. How will I receive emergency alerts and warnings?
  2. What is my shelter plan?
  3. What is my evacuation route?
  4. What is my family/household communication plan?

After determining your plan, practice it!

What Life Saving Skills Do You Have?

There are a wide variety of skills you should have that can save a life. Here are a few to target.

  • Learn first aid & CPR.
  • Own a fire extinguisher, know where it’s located & most importantly, understand how to use it.
  • Know how to shut off your water, electricity & natural gas.

Do You Understand Your Insurance Coverage?

Yes, having insurance is your first step to protection, but do you know exactly what you are covered for? Did you know flood damage to a home is the most common disaster a household can face? If your home floods, are you covered? If you do not understand the details of your insurance coverage, call our office!

Are You Saving For an Emergency?

We all know the concept of saving for a rainy day, but the question is, are you doing it?

  • Have a savings account and contribute to it monthly if possible.
  • Consider owning a safe in your home & keeping cash in it. During a disaster, ATM’s or credit cards may not work.
  • Store all important personal, household & medical information in your safe (or a place you’ll remember).

Examples:

  • passport or photo ID
  • birth certificate
  • social security cards,
  • marriage or divorce license
  • military ID & military discharge record
  • pet ID tags
  • pet microchip info & proof of pet ownership
  • insurance policies
  • lease or rental agreement
  • mortgage or real estate deeds of trust
  • immunization records
  • medication list or other medical information a physician may need

If you want a detailed document of everything you would need to prepare for a disaster or emergency, print this form out & follow the checklist.

Don’t wait until it’s too late. Learn the skills & know what to do before a disaster strikes.

If you have questions about your insurance coverage or want a quote for flood or earthquake insurance, contact AIM Auto Insurance Service. Our agents will shop to find the best insurance for your specific needs.

Insurance Options for Your College Student in California

Insurance Options For Your Child Before They Leave for College

Insurance Options for Your College Student in CaliforniaAttending college is an exciting time for your child. Whether it’s deciding where to go, what to major in or figuring the finances, there are a lot of decisions to think about. Before your child leaves the nest, here are three things to consider when it comes to having the right insurance policy.

1.) Auto Insurance Policy

  • If they are taking their car to college, be sure to update their auto insurance policy. This can easily be taken care of by reaching out to your insurance agent! You’ll want to ensure your child is protected if they get into an accident or experience theft. If your child is attending college out of state, talk with us to see if anything changes on their auto insurance policy.
  • Not taking a car? We suggest still keeping them on your auto insurance policy if they plan to drive when they return home for a visit or in the event they need to borrow a friend’s car on campus.
  • Ask for discounts. See if your child qualifies for any additional discounts.
    • Discounts may include:
      • Good student discount
      • Distant-student discount.
      • Pay in full discount
      • Safe driver discount
      • Data tracking discount

2.) Educate On Liability

College is an amazing social and learning experience. Be sure your child understands the serious consequences of drinking and driving, buying alcohol for kids underage or the other risks that are associated with drugs and alcohol. One poor decision could impact the rest of their life.

3.) If worried about theft while living off-campus, invest in a renters insurance policy.

  • If your child owns valuable items like laptops, televisions, printers, cameras or other expensive items, invest in a renters insurance policy.
  • Construct a full inventory of your child’s items that include model and serial numbers.
  • If your child is living with roommates, remember each child needs their own policy.
  • A renters insurance policy offers more than just covering your property. It can provide important liability coverage.

If my child experiences theft, will I be fully reimbursed?

This is where actual cash value and replacement insurance coverage comes into play. Replacement cost is very simple: It is literally the cost to replace your item with an item of similar quality. Replacement cost policies tend to be a bit more expensive since you are essential getting a brand new item for one that may have otherwise depreciated. Actual cash value is the cost to replace the item minus any depreciation. So, if your child had wear and tear on an expensive electronic device, your insurance would pay out the cost of the electronic minus the depreciation. Talk to your agent for clarification.

Whether it’s changing your child’s auto insurance or investing in renters insurance, let our local experts at AIM Auto Insurance Service help you find the best insurance to fit your needs. For more information about AIM Auto Insurance Service, visit our website.

How to throw a great BBQ party in Santa Fe Springs, CA

How to Create a Great BBQ Party

How to throw a great BBQ party in Santa Fe Springs, CASummertime is one of the most popular seasons to BBQ with friends and family. Whether it’s grilling at your local park or in your backyard, gathering with friends and family on a sunny day always is a memorable event. What makes a BBQ party great? We give simple suggestions of how to create a party you and your guests will remember!

Create a Signature Drink 

  • Whether a great cocktail for the adults or fresh squeezed lemonade for kids, creating a signature drink for your BBQ party adds fun to the environment. Making one signature cocktail is much less work than playing bartender throughout the entire day. Think: sangria, mimosas, margaritas or Moscow mules. Many times you can make big pitchers to lessen the work load.

Prep in Pieces 

  • Instead of trying to do it all in one day, strategically plan to prep in pieces. Have one day where you just go to the grocery store. The next day, chop and prep your produce or make a side dish that can sit in the refrigerator overnight. On the day of your BBQ, setup your table or decorations.

Simple Entertainment 

  • One of the most simple forms of entertainment at a party is good music. Pick out a playlist or stream Pandora through your outdoor or bluetooth speaker. If you want to provide more entertainment, create an outdoor game competition like ladder golf, bocci ball, volleyball or corn hole. Squirt guns, a football/soccer ball or arts & crafts are easy to keep kids busy for hours.

Pick a Theme 

  • Theme parties can be even more memorable! Plus, you can match your food to your theme. If you don’t want to cook all of the food yourself and prefer a potluck style, give suggestions to your guests so they know exactly what to bring to fit your theme.

Buy Plastic Containers 

  • Obviously BBQs with plastic silverware and plates work great for easy cleanup but what about providing plastic take away containers for your guests? Especially if you have a lot of food leftover, plastic containers are a great way to share your food for another day. This also saves space in your own refrigerator! Ask your guests, “what food can I send you home with?”

While throwing a great BBQ party can make for great memories for you and your guests, being properly insured for any unexpected liabilities is also important. The good news is that umbrella insurance policies are relatively inexpensive. Contact an agent at our office for your personalized umbrella insurance quote today.

Car Insurance Options Santa Fe Springs, CA

Do I Need to Purchase Rental Car Insurance?

Car Insurance Options Santa Fe Springs, CAWhen you are on vacation renting a car, you will most likely be asked if you want to purchase insurance for the car. Sometimes purchasing that insurance policy is needed, but other times you may already be covered with your own auto insurance policy. Some individuals even have insurance benefits through their credit cards.

Auto Insurance

Do you need to buy their rental car insurance coverage? Before going on vacation, reach out to your licensed agent with questions regarding your auto policy. An auto insurance policy can be unique to the driver. Many times, if you have collision, comprehensive and liability coverage on your auto policy, this would cover your rental car too as a temporary replacement vehicle. If you find you’re only covered for a specific amount, contact your credit card company to see if they can fill the gap.

Rental car insurance options can include: liability, personal accident, collision damage, personal effects coverage. Let’s take a closer look at each one.

Liability: Insurance coverage if you damage another car, property and medical bills for the other party if you’re found liable for the accident.

Personal Accident: Coverage for accidental death, medical expenses and ambulatory costs of you and your household members in the vehicle.

Collision Damage: Coverage to repair the rental car in the event you are involved in an accident.

Personal Effects: Insurance that covers personal items lost or damaged such as cell phones, purses and computers.

Roadside Assistance: Coverage for roadside incidents such as lost keys, lockouts, fuel outages and flat tires.

Always check with your licensed agent to review your policy BEFORE going on your vacation to ensure you know what coverage options you may or may not need. Furthermore, be sure to understand the terms and conditions of the insurance policy you’re purchasing if you decide to buy coverage from the rental agency.

Knowing the details of your insurance policy can help you fully understand your coverage, give you peace of mind, as well as save you money.

If you have questions about your insurance, contact the insurance agents at Aim Auto Insurance Service. We take pride in our business and strive to be relationship specialists providing you with the total insurance solution for all of your needs. Because of this, included in every policy, Aim offers personalized service and expert advice in any of your insurance requests.